When it is time to make an insurance claim, the more prepared you are, the more smoothly it will go. Be familiar not only with your policies but also with the steps you should take to file a claim.
It’s important to know beforehand what to expect from the insurance company. When you buy any insurance policy, read the contract carefully and learn specifically what is not covered. Know what numbers to call and the type of information you will need when speaking with a claims agent.
It’s also a good idea to take an inventory of your belongings and keep the list in a safe-deposit box. Make sure to include:
File a complete and accurate claim as soon as possible. Take the time to fill out everything the way the insurance company wants it. Or, if you are on the phone with a claims agent, be extremely detailed in your descriptions and be certain that all your information is correct.
Filing a claim can be stressful, but being properly prepared and knowing what to expect will help move the process along, possibly allowing you to receive the funds you need to cover your losses in a more timely manner.